Oportun Financial Statistics
Total Valuation
OPRT has a market cap or net worth of $249.28 million. The enterprise value is $2.84 billion.
Important Dates
The last earnings date was Thursday, May 7, 2026, after market close.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
OPRT has 45.74 million shares outstanding. The number of shares has increased by 14.81% in one year.
| Current Share Class | 45.74M |
| Shares Outstanding | 45.74M |
| Shares Change (YoY) | +14.81% |
| Shares Change (QoQ) | +0.67% |
| Owned by Insiders (%) | 5.94% |
| Owned by Institutions (%) | 66.37% |
| Float | 30.68M |
Valuation Ratios
The trailing PE ratio is 14.67 and the forward PE ratio is 3.08.
| PE Ratio | 14.67 |
| Forward PE | 3.08 |
| PS Ratio | 0.34 |
| Forward PS | 0.26 |
| PB Ratio | 0.63 |
| P/TBV Ratio | 0.76 |
| P/FCF Ratio | 0.60 |
| P/OCF Ratio | 0.60 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 159.14 |
| EV / Sales | 3.90 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 6.82 |
Financial Position
The company has a current ratio of 60.01, with a Debt / Equity ratio of 6.86.
| Current Ratio | 60.01 |
| Quick Ratio | 58.19 |
| Debt / Equity | 6.86 |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.53 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.68% and return on invested capital (ROIC) is 0.62%.
| Return on Equity (ROE) | 4.68% |
| Return on Assets (ROA) | 0.56% |
| Return on Invested Capital (ROIC) | 0.62% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 0.96% |
| Revenue Per Employee | $408,001 |
| Profits Per Employee | $9,997 |
| Employee Count | 1,783 |
| Asset Turnover | 0.23 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OPRT has paid $16.65 million in taxes.
| Income Tax | 16.65M |
| Effective Tax Rate | 48.30% |
Stock Price Statistics
The stock price has decreased by -15.77% in the last 52 weeks. The beta is 1.31, so OPRT's price volatility has been higher than the market average.
| Beta (5Y) | 1.31 |
| 52-Week Price Change | -15.77% |
| 50-Day Moving Average | 5.18 |
| 200-Day Moving Average | 5.46 |
| Relative Strength Index (RSI) | 50.14 |
| Average Volume (20 Days) | 394,663 |
Short Selling Information
The latest short interest is 1.33 million, so 2.91% of the outstanding shares have been sold short.
| Short Interest | 1.33M |
| Short Previous Month | 1.47M |
| Short % of Shares Out | 2.91% |
| Short % of Float | 4.33% |
| Short Ratio (days to cover) | 3.37 |
Income Statement
In the last 12 months, OPRT had revenue of $727.47 million and earned $17.82 million in profits. Earnings per share was $0.37.
| Revenue | 727.47M |
| Gross Profit | 691.98M |
| Operating Income | 37.90M |
| Pretax Income | 34.48M |
| Net Income | 17.82M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.37 |
Full Income StatementBalance Sheet
The company has $130.38 million in cash and $2.72 billion in debt, with a net cash position of -$2.59 billion or -$56.57 per share.
| Cash & Cash Equivalents | 130.38M |
| Total Debt | 2.72B |
| Net Cash | -2.59B |
| Net Cash Per Share | -$56.57 |
| Equity (Book Value) | 396.28M |
| Book Value Per Share | 8.69 |
| Working Capital | 2.95B |
Full Balance SheetCash Flow
| Operating Cash Flow | 416.16M |
| Capital Expenditures | n/a |
| Depreciation & Amortization | 1.54M |
| Net Borrowing | -127.42M |
| Free Cash Flow | 416.16M |
| FCF Per Share | $9.10 |
Full Cash Flow StatementMargins
Gross margin is 95.12%, with operating and profit margins of 5.21% and 2.45%.
| Gross Margin | 95.12% |
| Operating Margin | 5.21% |
| Pretax Margin | 4.74% |
| Profit Margin | 2.45% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 57.21% |
Dividends & Yields
OPRT does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -14.80% |
| Shareholder Yield | -14.80% |
| Earnings Yield | 7.15% |
| FCF Yield | 166.95% |
Analyst Forecast
The average price target for OPRT is $8.50, which is 55.96% higher than the current price. The consensus rating is "Buy".
| Price Target | $8.50 |
| Price Target Difference | 55.96% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |
